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The ABCs of Choosing a US Rental Property Market as a Foreigner

Trying to find the right US market to invest in? Join our upcoming webinar to discover how experts evaluate real estate markets across the country—and learn how you can do the same!

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U.S. Rental Property Loans Made Simple

Join our upcoming webinar to discover the options that foreign nationals like you have at your disposal to finance your next U.S. rental property–without the hassle.

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How to Make Your Rental Property Equity Work for You

Have a US rental property with a bunch of equity?

A cash-out refinance can help you turn your property’s equity into cash at closing. Don’t miss our upcoming webinar if you want to see how it works!

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Finance a U.S. Second Home or Rental Property as a Foreign National

Get flexible financing with speed, whether you're buying a vacation home or growing your investment portfolio

Start now

Loan Requirements at a Glance

Getting a mortgage doesn’t have to be complicated. Waltz simplifies approvals for internationals by offering options that fit your needs whether you're buying a second home or an investment property.

	Second Home	Rental Property
Minimum FICO credit score	No FICO credit requirement for foreign nationals. 680 for those with FICO scores.	No FICO credit requirement for foreign nationals. 680 for those with FICO scores.
U.S. residency	No	No
Maximum loan-to-value (LTV)	70%	75%
Interest rate	As low as 6%	As low as 6%
Loan options	New Purchase Refinance (Rate and Term or Cash Out) Delayed Financing	New Purchase Refinance (Rate and Term or Cash Out) Delayed Financing
States available	Florida New York Texas Colorado Washington D.C. Massachusetts	41 states and Washington D.C.

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Mortgages for foreign nationals

Up to 70% LTV¹

When you work with us, you’ll benefit from competitive financing. Get up to 70% loan-to-value (LTV)¹ on U.S. rental properties and second homes.

Diverse property types

Finance single-family, condo, townhouse, multi-family, and more property types (case-by-case).

No U.S. credit needed

Our mortgages are designed for foreign nationals. No credit score required for foreigners without U.S. credentials.

Flexible terms

Choose from a variety of loan terms and lengths, including 30-year fixed and adjustable rates tailored to your investment strategy.

Wide-ranging loans

Access a wide range of loan funding, with amounts starting at $200,000 (in Miami-Dade) and going up to $2 million per property, per loan¹.

Fast remote closings

Skip in-person signings whenever possible. Close remotely from just about anywhere in the world in as little as 14 days¹.

4 Steps to get a foreign national mortgage on a rental property

Getting your rental property loan is just a few clicks away. Once you have a rent-ready, cash flowing property in mind, the rest is simple.

Start your quote

Get a quote

The first step is getting a quote. Fill out our form with details about the property, then schedule a call with a Waltz team member to review key terms, rates, and available financing options.

Complete the loan application

Onboard to our intuitive AI-powered platform where you can track every step of your loan process and receive live feedback to keep things moving fast.

Review your loan file

Review your loan file by signing the final term sheet and confirming key terms, rates, and conditions. Our compliance team completes a final underwriting review to get you cleared to close.

Get a mortgage and close remotely

Sign paperwork remotely, finalize your loan, and become a property owner!

What Clients are Saying

“Some lenders get you to feel committed, then surprise you with hidden fees and unfavorable terms. With Waltz, I really liked the terms and I got exactly what was promised to me.”

Aviv M.

Israel

“Every interaction with Waltz felt personal and tailored to me. No matter who I spoke with, each person went the extra mile to make sure I had an incredible experience– something you just don’t get at a bank!”

Dennis N.

Canada

“My experience with Waltz was amazing. Communication is super important to me, especially living abroad. The entire process with Waltz was transparent and clear, nothing was ever left to assumption.”

Antonio G.

Colombia

Uploading documents was fast, communication was simple, and the process felt effortless. The app is fantastic, once you use it, you don’t want to let it go.

Jose

Mexico

Every interaction with Waltz felt personal and tailored to me. No matter who I spoke with, each person went the extra mile to make sure I had an incredible experience — something you just don’t get at a bank!

Dennis N.

Canada

Waltz’s platform has amazing UX. Everything is organized, intuitive, and easy to track. When you have multiple properties and dozens of documents, it makes a huge difference. I spend less energy managing the process, and everything just flows.

Yoav

Israel

Frequently asked questions

What steps should international investors take before securing a second home mortgage or rental property mortgage?

Before securing your loan, it's essential to assess your own financial situation, the rental property's ROI (if applicable), ensure adequate insurance coverage, conduct an appraisal, and negotiate favorable terms before finalizing the deal.

How do I qualify for a second home mortgage?

To qualify for a second home mortgage with Waltz, you'll need to verify your income and maintain a debt-to-income (DTI) ratio of 50% or below. No U.S. credit score is required for foreign nationals, though applicants with a FICO score will need a minimum of 680.

How do I qualify for a rental property mortgage?

Rental property mortgages offer two qualification paths depending on your financial situation. You can qualify through traditional income verification with a debt-to-income (DTI) ratio of up to 50%. You can also qualify with a cash flowing rental property with a Debt-Service-Coverage-Ratio (DSCR) greater than 1. Put simply, the property's rental income must cover the mortgage payment. No U.S. credit score is required for foreign nationals, though applicants with a FICO score will need a minimum of 680.

Can a foreign national get a second home mortgage in the U.S.?

Yes. Foreign nationals can legally purchase and finance a second home in the U.S. without being a citizen or resident. Waltz offers second home mortgage programs specifically designed for international buyers, with no U.S. credit history required and a streamlined remote closing process.

Are there tax implications for foreign nationals owning a second home in the U.S.?

Yes. As a foreign national owning U.S. property, you'll be subject to U.S. property taxes annually. If you choose to rent out your second home, that rental income is subject to U.S. federal taxation. And when you eventually sell, capital gains from the sale may be taxable as well. Tax obligations can also vary depending on any tax treaties between the U.S. and your home country. Every investor's situation is unique, so we strongly recommend consulting a tax advisor with cross-border expertise before purchasing.

Additional steps recommended after buying a property

Once you've purchased the property, consider renovations or repairs that may increase its value and appeal. Depending on your plans, you might rent the property, use it personally, or a mix of both. If renting, you can either manage the property yourself or work with a property manager. Staying current on property taxes and maintenance will help protect the property's long-term value.

Finance a U.S. Second Home or Rental Property as a Foreign National

Get flexible financing with speed, whether you're buying a vacation home or growing your investment portfolio

Loan Requirements at a Glance

Award-winning platform powered by AI